Equity
€360,405 from €1.4m in 2015
Equity fell by 75% in 10 years.
KOLO
Lifetime
20 annual accounts with figures on one time axis, 32 filings since 1994peak €1.1m (2020)
€342,918▼ 28.5%
peak €587,877 (2020)
€53,227▼ 48.2%
peak €1.4m (2015)
€360,405▲ 0.9%
€145,490▼ 31.2%
peak 7.4 FTE (2024)
6.2 FTE▼ 16.2%
Board3 names since 2020
2 directorsAedificare Invest and 1 other
Owners3 names in the annual accounts
consolidatesAedificare Invest
Documentsfilings and deeds
27-03-2026126 days before the deadline
2025abbreviated format
Gross margin from €479,789 to €342,918Result from €102,741 to €53,227Staff from 7.4 FTE to 6.2 FTEDividend €50,000Debts from €211,388 to €145,490Cash from €91,751 to €40,139
Key points
from the 2025 annual accountsTurnover
≈ €520,000 estimated
The abbreviated format states no turnover.
Staff
6 employees on 31-12-2025
In 2025, 2 people joined and 3 left.
Filings
32 annual accounts since 1994
The last five annual accounts were filed 52 to 126 days before the end of the period.
Board
1 joined
New director. Latest change 25-03-2026 · 2 in office.
Position in the sector
€342,918
Higher gross margin than 82% of companies in head offices and management consultancy. Sector median €82,985 · 10,832 companies.
Checked score
94
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026highest value
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: 6.2 FTE, total assets €505,894
lowers risk
Equity €360,405 (71.2% of total assets)
Profit of €53,227 (financial year 2025)
Founded in 1994
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 67% of them on solvency, 41% on liquidity, 49% on profitability and 43% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as KOLO has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of KOLO itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for KOLO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.74 (3.11 in 2024), above the usual 1.5. Short-term debt is 21.8% and cash 7.9% of total assets. 28.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-03-2026, 126 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
126 days early
2024
119 days early
2023
97 days early
2022
52 days early
2021
115 days early
2020
106 days early
2019
121 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 105 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Aedificare Invest 95%score 94equity €1.1m (2025) · 2022 annual accounts of Aedificare Invest
- JELYX 5.05%equity €122,052 (2025) · 2024 annual accounts of JELYX
Recent changes
2 directors reappointed
Jozef Van Geel and Aedificare Invest BV (managing director) · Permanent representative: Carl Van Elst · General meeting of 25-03-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0451990108
Company renamed to KOLO
New name: KOLO · Gazette deed
Reappointment: Van Geel Jozef (director)
General meeting of 13-04-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| KOLO Kalmthout | €505,894 | €342,918 | 71.2% | 6.2 |
| CADINE & CO Antwerp | €561,331 | €259,509 | 91.7% | 6 |
| U-MAN BELGIUM Mechelen | €523,679 | €263,520 | 44.6% | 4.5 |
| CIGAR.AGENCY Antwerp | €607,355 | €353,411 | 24.2% | 4.5 |
| ENMO SERVICES Vosselaar | €698,042 | €395,439 | 7.2% | 4 |
| BRAINAGEMENT Mons | €412,911 | €431,986 | 22.4% | 7.1 |
| Wylein & partners Architectenbureau Bruges | €444,537 | €304,907 | 48.0% | 4.3 |
These companies have the same main activity as KOLO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €413,000 and €698,000, founded between 1988 and 2000.
Official details
Source: KBO- Status
- Active since 01-02-1994Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.065.785.7392920 Kalmthout, since 02-03-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 16-09-2025
Annual accounts 2025
- €505,894▼ 11.0%
- Employeeson 31-12-2025
- 6▼ 14.3%
- Filing
- Filed on 27-03-2026, 126 days before the end of the filing period
Insights on KOLO
KOLO files the abbreviated format. That format states no turnover. The gross margin fell from €436,634 in 2006 to €342,918 in 2025.
Aedificare Invest holds 95% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about KOLO
- What is the company number of KOLO?
- The company number of KOLO is 0451.990.108. The VAT number is the same number with BE in front: BE 0451.990.108.
- Where is KOLO based?
- The registered office is at Kwade Weide 18, 2920 Kalmthout.Company details
- What does KOLO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of KOLO?
- KOLO is a public limited company (NV).
- When was KOLO founded?
- KOLO was founded on 01-02-1994.
- Is KOLO still active?
- Yes, KOLO is an active enterprise in the KBO register.
- How many employees does KOLO have?
- KOLO had an average of 6.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of KOLO?
- The turnover in financial year 2025 is ≈ €520,000. This figure is estimated from the gross margin of €342,918 and 74 comparable companies (NACE 70200). It probably lies between €410,000 and €950,000.
- Is KOLO profitable?
- In financial year 2025, KOLO made a profit of €53,227.
- Where can I find the annual accounts of KOLO?
- KOLO filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of KOLO due?
- KOLO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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